---
title: Truist (TFC) — bank health card
canonical: https://sweetvaluelab.com/tools/banks/tfc
ticker: TFC
tier: Super regional
as_of: 2026-10-16
---
# Truist (TFC) — bank health

Truist, Super regional, trades at 1.44× tangible book against a 14.4% return on tangible common equity, a 12% discount to the return-driven theory line. Prices as of Oct 16, 2026; trailing-twelve-month figures through Sep 30, 2026.

## The card

| Figure | TFC | Super regional average (4) |
| --- | ---: | ---: |
| Price | $47.07 |  |
| P/TBV | 1.44× |  |
| Tangible book per share | $32.63 |  |
| P/E | 11.2 |  |
| EPS (TTM) | $4.22 |  |
| Dividend per share (TTM) | $2.08 |  |
| Dividend yield | 4.4% |  |
| Payout | 49.3% |  |
| ROTCE | 14.4% | 15.5% |
| ROA | 1.05% |  |
| Efficiency ratio | 61.1% | 62.1% |
| Net interest income share | 69.8% | 65.1% |
| Credit cost | 6.28% | 4.84% |
| AOCI / TCE | -16.6% | -16.3% |
| CET1 | 10.9% |  |
| CET1 requirement | 7.0% |  |
| Total assets | $556.0B |  |
| Leverage (assets / TCE) | 13.8× |  |
| P/TBV at 9% / 10% / 11% ROTCE (theory) | 1.91× / 1.64× / 1.43× |  |

## Lights

- Unrealized bond losses are 16.6% of tangible equity and 70% of revenue is spread income

---

Source: https://sweetvaluelab.com/tools/banks/tfc (SweetValueLab, free, no account). Quarterly statements from Financial Modeling Prep, closes from the daily price cache; the engine's rules are on the board page. Research and educational data, not investment advice; nothing here is a recommendation to buy, sell or hold any security.